Little Rock, AR · Charter 21327
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.33% | 3.76% | 2.44% | 2.57% | 0.33% | -201 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -19.79% | -12.59% | -7.59% | 7.15% | 3.50% | +2,328 bps | |
| Loan Growth (YoY) | 8.28% | 12.04% | 22.41% | -0.48% | -10.04% | -1,832 bps | |
| Share Growth (YoY) | -20.38% | -13.24% | -8.04% | 7.51% | 7.89% | +2,827 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 1.32% | 3.77% | 0.18% | 7.74% | +601 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.76% | 5.27% | 5.88% | 7.08% | 7.95% | +319 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.92% | 88.98% | 68.85% | 62.88% | 61.64% | -1,228 bps | |
| Liquid Assets / Assets | 36.27% | 27.26% | 39.34% | 47.11% | 0.00% | -3,627 bps | |